Bernice Chau

  • Sr. Loan Officer
  • NMLS: 245002 CAL DRE# 01300642
  • (415) 412-5363
  • 3327 Castro Valley Blvd.
  • Castro Valley, CA 94546

As a lender who has been in the business since 1999, I enjoy helping clients choose a solid loan program that is just right for your needs. Whether this is your first home loan, your last, a loan for an investment property or a vacation home, or need to refinance, I would be honored to be your Senior Loan Officer.

Clients can rely on my experience, education, knowledge, and market research to choose a loan that fits their needs now and in the future without feeling pressured to commit.

Our first step is to discuss your needs and for me to share the loan programs that are out there for you. I understand securing a loan can often be a daunting process, but it is my goal to provide you with an experience that answers your questions, eases your mind, and allows you to feel secure in choosing a home loan that fits within your budget and your situation.

Concerned about the different loan choices? Let me explain the benefits of each and assess what makes the most sense for you and your family.

Not sure whether paying points makes sense? We can crunch the numbers together and I can show you how this might impact your finances.

Confused about the process, timing, what paperwork needs to be submitted? Let me ease the burden with guidance and trust that I can ease you through the process.

Self-employed? Recent job or family-life change? Circumstances that might cause you to worry about qualifying? I am a great listener who has experienced clients with many of your same situations and will be happy to listen with patience and without judgment.

Equal Housing Lender. Contact me at bernice@bayareafunding.com.

What Are Origination Fees and Can They Be Avoided?
What Are Origination Fees and Can They Be Avoided?
Jan 13 2021   first time buyer first home first mortgage home loan apply for a first home loan
An origination fee is part of the multi-step process of getting a loan and includes the cost of processing the application, underwriting, and financing the loan. The lender may combine the fees into one charge or may list each one... Read More
What Every Homebuyer Needs to Know About Home Sale Contingencies
What Every Homebuyer Needs to Know About Home Sale Contingencies
Jan 6 2021   first time buyer first home first mortgage home loan apply for a first home loan
A contingent offer is an offer that has been accepted with the final sale depending on meeting specific criteria. What sort of criteria? That's what this article will explain. Bookmark this reference if you're currently shopping for a home. And... Read More
Your Guide to Managing Your Credit Score
Your Guide to Managing Your Credit Score
Dec 30 2020   first time buyer first home first mortgage home loan apply for a first home loan
You've likely heard of the term "credit score," but how familiar are you with what it represents? Here is everything you need to become an expert at managing your credit. What's A Credit Score? A credit score is a three-digit number. It represents... Read More
Should You Buy Property in the City or Suburbs in 2021?
Should You Buy Property in the City or Suburbs in 2021?
Dec 23 2020   first time buyer first home first mortgage home loan apply for a first home loan
Trying to decide an urban or suburban life? You're not alone! Since the pandemic, many Americans leaving the city for suburban life. Before hastily deciding which option is better, let's take a closer look at life in each of these... Read More

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